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Mortgages

Looking for aremortgage deal?

Find out if we could help reduce
your mortgage payments.

Early Repayment Charges apply and other fees and charges may apply.

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Please enter a borrower type.

Please enter a property value.

Please enter a depositmortgage outstanding amount.

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You have asked to borrow {{mortgageListing.customer.loan | currency:'£': 0}}. The minimum amount we will lend is £25,001. Please adjust your property value or depositmortgage outstanding amount.

You have asked to borrow {{mortgageListing.customer.loan | currency:'£': 0}}. The maxmimum amount we will lend is £5,000,000. Please adjust your property value or depositmortgage outstanding amount.

Your deposit must be at least 5% of your property value

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Finding a remortgage deal

We know that looking for a new mortgage when your current deal is about to end can be complicated and time-consuming. Using our remortgage search tool above could make it easier to find a new deal that’s right for you. We have a range of Fixed rate and Tracker mortgages, many of which are also available as an Offset mortgage if you want to use some of your savings to help reduce the cost of your payments straight away or in the future, or to shorten your mortgage term.

If you are applying for a remortgage you will need a solicitor or licenced conveyancer to carry out the legal work on the Society's behalf.

Early repayment charges will apply during the tracker and the fixed rate periods. Other fees and charges will apply.


What you need to do

  • First things first – check that you can move your mortgage elsewhere and whether there are any charges from your current lender to do so.
  • Affordability is key for mortgages and remortgaging is no different. Before making an application you can use our borrowing calculator to see how much we may be able to lend to you and our repayment calculator to give you an idea of the monthly payment.
  • When you’ve checked how much you may be able to borrow and the cost of the payments you can check out our Remortgage products. We offer fixed rate , tracker and offset products for remortgaging customers.
  • If you have some savings put aside and you’re interested in using them to reduce the cost of your monthly payments or the time it takes to repay your mortgage, you may benefit from an offset mortgage. Read our offset mortgages guide or check how it could work for you with our offset calculator .
  • At any stage, you can talk to someone about your options or get clarity on what's involved. Either speak to us at your local branch or call us .

Types of mortgage

Fixed rate mortgages
  • Allow you to keep the interest rate the same for a set period of time, even if there are fluctuations in the Bank of England Base Rate.
  • This could be right for you if you're on a fixed budget for outgoings and you like to plan your finances in advance.
  • If you want to come out of a Fixed rate mortgage before the end of the special rate period, early repayment charges will apply - all our Fixed rate product pages have details about this.

Tracker mortgages
  • Track the Bank of England Base Rate giving you a variable rate of interest over a set time.
  • Because of this, the interest you get charged on your mortgage will rise when the Base Rate increases and fall when it decreases. This in turn will increase or decrease your mortgage payments.
  • A minimum rate of interest ('the collar') is applied to Tracker mortgages, which means that your interest rate won't go below a set level even if the Base Rate falls.
  • Its important to consider the risk that your mortgage payments could increase should the Base Rate rise in the future.

Offset mortgages

With both Fixed rate and Tracker mortgages, you can choose to link your mortgage to your savings with an Offset mortgage:

  • This give you the option to use any savings you may have to offset against the balance of your mortgage.
  • You keep your Offset Savings and your Offset Mortgage accounts separate but your savings reduce the interest charged on your mortgage. This can then either help to reduce your mortgage payments or reduce the term of your mortgage.
  • An Offset mortgage also gives you an option to fix your interest rate for a set time or to track the Bank of England Base Rate.
  • If you want to come out of an Offset mortgage before the end of the special rate period, early repayment charges will apply. Please see the individual Offset product pages for details.

Need more help?

To find out more about our mortgages, you can view our guide to mortgage types.

Our guide to remortgaging

Read our extensive guide to remortgaging. Find out how to get started and see if we could help reduce your mortgage payments.

If you are looking to borrow any additional funds to repay debts, please phone our dedicated mortgage team on 0345 166 9242.

Important information

  • Our mortgages have limited availability and may be withdrawn at any time
  • Applications subject to standard lending criteria and all loans subject to status
  • Not all mortgage products allow you to apply online

Need help with mortgage definitions?

If you are unclear what something means, our
Mortgage glossary can help.

Get a lending decision

Get a lending decision in just 10 minutes

Already got a decision?

Apply online

When you’ve checked how much you may be able to borrow and the cost of the payments you can check out our Remortgage products by using our search tool above.

 

Continue your application

If you’ve already started an application, you can retrieve it using your username and password.

 

Request an appointment

If you need advice as to the suitability of any of our mortgage products or if you have any questions regarding the application process you can visit one of our branches nationwide.

 

Call us

If you need further advice on the application process please call us on our mortgage helpline number.

0345 166 9510*